<html>
  <frameset rows="50%,*" >
      <frameset cols="50%,*">
	<frame src="20-7.html" name="frame_a_1">
	<frame src="20-8.html" name="frame_a_2">
      </frameset>
    <frame src="20-3.html" name="frame_b">
  </frameset>
</html>
